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Compare Pet Insurance

Most insurance policies are confusing. Unfortunately, pet insurance policies are no exception.

For example, with most pet healthcare coverage, you don’t know if the claim will be approved or denied until AFTER you’ve paid the bill out of pocket.

You can reduce the risk of a surprising denial if you understand the aspects of a policy before you buy it. We have outlined these in our pet insurance comparison chart for easy reference.

You can easily compare pet insurance plans from several top companies.

We’ve simplified each policy’s fine print and included vet-verified tips and warnings to help you choose.

We’ve also defined important terms you should know so you can compare pet insurance with confidence.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Why Does Pet Insurance Cost Vary So Much?

When you start to compare pet insurance plans, you’ll see a wide range of price quotes.

Pet insurances base their price on factors like:

  • breed
  • age
  • zip code

Each pet insurance weighs these factors differently which affects the cost. Also, prices vary by coverage.


Healthy Paws is our #1 Choice.
View Rates Now!

Pet Comparison Chart

all pet insurance plans Applies to all plans
some pet insurance plans Applies to some plans
no pet insurance plans Does not apply to any plans
Compare all plans
Compare any two plans
  • #2 Embrace
  • #1 Healthy Paws
  • #7 Nationwide
  • #3 Pets Best
  • #4 Pet Plan
  • #6 Pet Premium
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  • #2 Embrace
  • #1 Healthy Paws
  • #7 Nationwide
  • #3 Pets Best
  • #4 Pet Plan
  • #6 Pet Premium
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 nationwide pet insurance comparisonpetpremium pet insurance comparisonpetplan pet insurance comparisonpetfirst pet insurance comparisonpets best pet insurance comparisonembrace pet insurance comparisonhealthy paws pet insurance comparison
 Get QuoteGet QuoteGet QuoteGet QuoteGet QuoteGet QuoteGet Quote
(10% Off Today)
Monthly Cost Basic Coverage$48.22
Several limits
$51.58
Several limits
$57.07
Several limits
$38.00
Several limits
$46.71
Several limits
$71.64
Several limits
$37.28
No limits
Overall Score

1.4 3.1 3.5 3.8 3.6 4.3 4.9 Monthly Cost Best Coverage$65.66
Several limits $61.52
Several limits $67.84
Several limits $70.37
No limits $53.37
No limits $79.11
Several limits $37.28
No limits Tips & Highlights Poor customer reviews Low payouts Flexible coverage Reimburses veterinary exam fees Offers accident-only plan Applies deductible before copay to save you $ #1 customer rated since 2013 Vet-Verified Summary Bad reputation with customers Too many limitations Watch out for deductibles Watch out for deductibles Low annual limit on base plans Great coverage but expensive Overall best coverage AT A GLANCE Choose your own vet

choose your veterinarian

Injuries

injury coverage

Illnesses

illnesses

Hereditary conditions

hereditary conditions

Congenital conditions

congenital conditions

Prescription medications

prescription medications

Alternative therapies

alternative therapies

Wellness option

pet wellness plans

Flexible deductible

flexible deductibles

Annual deductible

annual deductible

Choose reimbursement

choose your reimbursement

Reimbursed per vet bill

vet bills

No annual limits

no annual limits

No lifetime limits

no lifetime limits

No limits per condition

per-condition deductible limits

Covered for life

lifetime coverage

No upper age limit

no upper age limit

Discounts available

no upper age limit promos and discount codes promos and discount codes promos and discount codes

Read reviewRead reviewRead reviewRead reviewRead reviewRead reviewRead review

*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019


Healthy Paws is our #1 Choice.
View Rates Now!

Pet Insurance Comparison Chart: Important Definitions

Annual Limits

A maximum amount of money you can be reimbursed every year. Some pet insurance policies have them; others don’t.

Benefit Schedule

A rundown on the amount of reimbursement you’ll get for specific conditions or treatments. Some pet insurance companies reimburse you according to a set benefit schedule instead of covering a percentage of the actual vet bill.

Co-Pay

Percentage of the vet bill you pay out-of-pocket. If you have a 90 percent reimbursement level, your co-pay is 10 percent of the vet bill.

Real Cost Savings from Healthy Paws Clients

Samson

Healthy Paws saved his parents

$4,310

Samson tore his ACL in a lively game of fetch. After surgery and rehab, Samson is back to his playful self and never turns down a game of fetch!

Congenital Conditions

Health conditions your pet is born with. They can be hereditary or passed down genetically. They can also result from abnormal development before birth.

Not all pet insurance plans cover congenital conditions. Not all congenital conditions are immediately apparent and may show signs sometime after birth.

Deductible

Amount of money you pay out-of-pocket before your pet insurance coverage kicks in.

Exclusions

List of conditions or limitations on your coverage. Read them carefully, as they vary widely from policy to policy.

Hereditary Conditions

Disorders or diseases your pet inherits genetically, often referred to as breed-specific conditions since they tend to affect certain breeds of dogs and cats.

Not all pet insurance plans cover hereditary conditions.

Incidents

“Incident” refers to the specific condition for which your pet is being treated. “Per incident” and “per condition” mean the same thing.

Lifetime Limits

A maximum amount of money you can be reimbursed over the lifetime of your pet insurance policy.

Reimbursement Level

Percentage of the vet bill the pet insurance company reimburses you after you pay your deductible.

The reimbursement level determines your co-pay. If you have a 70 percent reimbursement level, your co-pay is 30 percent of the vet bill.

Rider

Also called “endorsements,” riders are add-ons to an insurance policy that provide additional coverage at an additional cost.

Different companies may offer different riders, such as a prescription medication rider, complementary care rider, or breeding rider for pregnancy care.

Pre-Existing Conditions

Health issues that your pet has already been diagnosed with or shown signs of before your pet insurance plan becomes active.

Pre-existing conditions are not covered by any pet insurance plan.

Waiting Period

Set amount of time you’re required to wait after enrollment before your pet insurance policy becomes active.

Pet insurance policies may have different waiting times for different conditions and coverage options.

The waiting period for injuries and accidents may be as short as a day or two while other conditions may have a waiting period of several months.

Real Cost Savings from Healthy Paws Clients

Artemis

Healthy Paws saved his parents

$2,194

Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

Read More Pet Insurance Company Comparisons

148 Comments
  1. Reply
    Sharon B 02/18/2016 at 12:15 am

    Finding and exploring this site has been my first step in looking seriously for some type of pet insurance. This site is wonderful and provides all of the fine details that I had and had NOT thought about like some companies’ coverage is based on the animal’s condition. Some plans offer alternative therapies while many others do not. Some plans offer help with annual vet visits, exams, nutrition supplements and/or prescription meds while others do not. There are many details to consider.

    I like having all of the companies located in one place. It makes the plan comparisons considerably easier. My goal is to get some insurance in place before I actually need it so I want something affordable yet also worth it if some accident or illness should arise.

    • Reply
      Pet Insurance U 12/08/2016 at 7:05 pm

      Sharon , glad we could be of service, we would recommend possibly taking a look at Healthy Paws insurance. They offer unlimited coverage that you can tailor to your budget with alternative therapy coverage also. This way you can get what you want and not break the bank. We hope everything works out for you, thanks again for the comment.

  2. Reply
    lovely mcarthur 02/18/2016 at 6:49 am

    Thanks for this easy to understand comparison! I’m looking for the right insurance company for my beautiful and fluffy cat. It should cover all types of illnesses so that I don’t have to spend too much if ever he got sick. I want the best for my feline baby.

  3. Reply
    Adele 02/19/2016 at 7:57 am

    Being able to compare pet insurance plans is so important. I have been researching insurance for my dog ever since we had an unexpected hospital visit last month. I appreciate the definitions of terms used by the insurance companies and the explanation of reimbursement levels. I feel like now I can make a decision that will best serve the individual needs of my dog, at a comfortable monthly price.

  4. Reply
    Carrie R. 02/19/2016 at 7:59 am

    I recently took my Chihuahua/Wire-Haired Terrier to the vet for a mass removal on her chest. My husband and I were so worried about getting the test results back. What if she had cancer? Luckily for all of us, it was just a benign tumor that was easily removed. But it really made us think about the future health of the wonderful dog we’ve been raising for the past 5 years. Thank you for putting together such a helpful website that makes shopping for pet insurance so much easier! Comparing plans, understanding insurance terms, and deciding how much we are able to spend, have enabled us to find the right plan for our little family!

  5. Reply
    Macy W. 02/19/2016 at 8:01 am

    We recommend this website to all of our friends! My husband and I found the information so useful when making our decision to buy pet insurance, that we had to tell all of the pet parents we know. Our friend has four older dogs, and she was under the impression that no insurance plan would cover all of their needs. She went to this website and was so grateful to be proved wrong!

  6. Reply
    Ujjal Karmakar 02/19/2016 at 7:21 pm

    The website is providing different pet insurance company’s premium very efficiently. We can have good idea about pet insurance company’s premium. By using this features we can find the right company to insurance. Here we can see the PetPremium’s gives the cheapest plan that is only around 9 bucks. It is a really good plan to invest money. We can ensure pet’s safety by using these plan. Here differences among the companies regarding benefits are also given. We can easily choose the best plan.

  7. Reply
    Bronwyn 02/22/2016 at 6:29 am

    Prior to viewing this site, I had no idea there were so many options for insurance plans. This chart gave a great representation for each plan to truly analyze what would work best for me and my furry friends. I really appreciated the clear visual across the board and was very shocked to see Pet Premium at low at 9$! Not sure how skeptical to feel about that one. Does anyone have any thoughts or experience? Although they are on the higher price scale, Pets Best and Pet Plan seem to be good plans for me because they are not restricted for ages. It is useful because my dog is 8 years old so for a long time pet owner, they make choosing a plan more flexible. Still trying to decide what will fit best for me, but I am definitely bookmarking this page to refer back to. This is such a great resource for pet owners old and new!

  8. Reply
    J. Paul 03/11/2016 at 6:19 am

    My girlfriend finally convinced me of how important it is to insure our pets. (When we moved in together, we combined her pitbull and ferret with my three cats…we have lots of critters to take care of now!) I had no idea where to start searching, but this REALLY broke it down. Thanks a lot for putting so much useful information into one place.

  9. Reply
    Kelly Johnson 03/19/2016 at 8:52 pm

    My son wants a dog so we are looking at all of the expenses that go along with getting a new pet. What is very clear to me is that we will need to get pet insurance and all plans are not created equal. I had no idea of the broad spectrum of plans that are available. It will also help us get clear about the true costs of adding another member to our family, beyond just food, grooming and annual veterinarian bills. Having this information and also consulting a good vet will also help us make a decision about what types of dogs we should consider.

    There are so many things that I didn’t think to consider, such as how congenial or hereditary conditions can affect a policy (what a company will cover and what they will not as well as how this may affect the cost of an insurance policy). I also mistakenly thought it would be great to get a policy with no annual deductible but the more I read, the more I realize that this (in and of itself) is not necessarily a good thing. I’ll have to think about what is the most reasonable for me, paying an annual or paying a “per-condition” deductible. My sister has a wellness feature included in her pet policy but I’m not sure if that is a must-have for my family. She has 2 cats and no kids, where I have 3 children and now we’re planning for a new puppy so my budgeting and expenses are a lot different from hers.

    I also have to check the orgs that my husband and I belong to—to see if we can get some additional discounts and how those work. That is also another great tip that I hadn’t considered.There is so much great info here that I’ll keep it bookmarked for myself, my husband and the kids to use as we decide on which pet and policy are best for us.

  10. Reply
    Louise Butler 03/20/2016 at 8:36 am

    I have recently bought my first pet. A little russian blue kitten called Mimi. She is a healthy little kitten but I do not want to take any chances with her health and want to purchase insurance to protect my baby as soon as possible. I was very confused by the insurance options available and this site has been an invaluable tool in my search for suitable insurance. I had no idea that there were so many factors to consider and so many differences between the various plans on offer. I am on a budget so it was great to see that I can get a discount on insurance by paying annually rather than monthly. After reading your points about wellness cover, I have decided that I will go for a plan with wellness cover since Mimi might need extra vaccinations and spraying during her first year. Your side by side comparison is so clear and easy to understand. Thank you so much for saving me a lot of time and effort by providing that comparison chart!

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